Call reports 2003
FNB BANK, INC. — 2003
What FNB BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 161,040,000 | 160,758,000 | 149,832,000 | 145,769,000 |
| Total loans | 104,348,000 | 100,087,000 | 92,523,000 | 85,180,000 |
| Allowance for loan losses | 2,007,000 | 2,174,000 | 2,319,000 | 2,509,000 |
| Securities available for sale | 41,421,000 | 47,594,000 | 44,047,000 | 43,645,000 |
| Securities held to maturity | 5,117,000 | 5,662,000 | 5,580,000 | 5,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,687,000 | 143,479,000 | 135,905,000 | 131,931,000 |
| Interest-bearing deposits | 124,305,000 | 119,863,000 | 111,928,000 | 107,314,000 |
| Noninterest-bearing deposits | 22,382,000 | 23,616,000 | 23,978,000 | 24,617,000 |
| Equity capital | 13,722,000 | 13,958,000 | 13,329,000 | 13,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,175,000 | 4,214,000 | 6,197,000 | 7,994,000 |
| Interest expense | 775,000 | 1,473,000 | 2,058,000 | 2,573,000 |
| Net interest income | 1,400,000 | 2,741,000 | 4,139,000 | 5,421,000 |
| Noninterest income | 145,000 | 299,000 | 440,000 | 639,000 |
| Noninterest expense | 1,108,000 | 2,218,000 | 3,303,000 | 4,420,000 |
| Provision for loan losses | 719,000 | 994,000 | 1,700,000 | 2,150,000 |
| Pretax income | -282,000 | -164,000 | -429,000 | -515,000 |
| Income tax | 0 | 0 | 0 | -7,000 |
| Net income | -282,000 | -164,000 | -429,000 | -508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,357,000 | 13,474,000 | 13,209,000 | 13,131,000 |
| Total capital | 14,686,000 | 14,768,000 | 14,409,000 | 14,249,000 |
| Risk-weighted assets | 105,584,000 | 102,672,000 | 94,842,000 | 88,062,000 |